Accident Insurance

A昀氀ac Group Accident Advantage Plus INSURANCE – HIGH 24-HOUR WITH WELLNESS PLAN Home or on the road — accidents can happen. We’re here to help. AG78753HIN R2 IV (2/16)

AFLAC GROUP ACCIDENT ADVANTAGE G PLUS INSURANCE GROUP ACCIDENTAL INJURY INSURANCE – HIGH 24-HOUR WITH WELLNESS PLAN AC Policy Series CAI7800 Introducing added protection for life’s unexpected moments. If you’re like most people, you don’t budget for life’s unexpected moments. But at some point, you may make an unexpected trip to your local emergency room. And that could add a set of unexpected bills into the mix. That’s the bene昀椀t of the A昀氀ac group Accident Advantage Plus plan. In the event of a covered accident, the plan pays cash bene昀椀ts fast to help with the costs associated with out-of-pocket expenses and bills—expenses major medical may not take care of, including: • Ambulance rides. • Emergency room visits. • Wheelchairs, crutches, • Surgery and anesthesia. and other medical appliances. • Bandages, stitches, and casts. Understanding the facts can help you decide if the Aflac group Accident Advantage Plus plan makes sense for you. FACT NO. 1 FACT NO. 2 80.1MILLION MILLION 38 1 PEOPLE SOUGHT MEDICAL ATTENTION FOR AN INJURY. PEOPLE – ABOUT 1 OUT OF 8 – SOUGHT MEDICAL 2 ATTENTION FOR AN INJURY IN 2012. 1 All Injuries, 2014, Centers for Disease Control and Prevention. 2 Injury Facts, 2014 Edition, National Safety Council. Underwritten by Continental American Insurance Company (CAIC) A proud member of the A昀氀ac family of insurers

Here’s why the For more than 60 years, A昀氀ac has been dedicated to helping provide individuals A昀氀ac group Accident and families peace of mind and 昀椀nancial security when they’ve needed it most. Advantage Plus plan Our group Accident Advantage Plus plan is just another innovative way to help may be right for you. make sure you’re well protected under our wing. But it doesn’t stop there. The group Accident Advantage Plus plan from A昀氀ac means that your family has access to added 昀椀nancial resources to help with the cost of follow-up care as well. The A昀氀ac group Accident Advantage Plus plan bene昀椀ts: • A Wellness Bene昀椀t for covered preventive screenings • Transportation and Lodging bene昀椀ts • An Emergency Room Treatment Bene昀椀t • A Rehabilitation Unit Bene昀椀t • Coverage for certain serious conditions, such as coma and paralysis • An Accidental-Death Bene昀椀t • A Dismemberment Bene昀椀t Features: • Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions). • Bene昀椀ts are paid directly to you unless you choose otherwise. • Coverage is available for you, your spouse, and dependent children. • Coverage is portable (with certain stipulations). That means you can take it with you if you change jobs or retire. • Fast claims payment. Most claims are processed in about four business days. How it works A昀氀ac group You injure your The emergency You leave the The A昀氀ac group Accident Advantage Plus High Plan pays: Accident leg in a covered room doctor hospital on Advantage Plus accident and go diagnoses a crutches. High plan is to the hospital via fracture and $2,930 selected. ambulance. treats you. Amount payable was generated based on bene昀椀t amounts for: Closed-Reduction Leg Fracture ($2,400), Emergency Room Treatment ($200), one Follow-Up Treatment ($30), Ambulance ($200) and Appliance ($100) The plan has limitations and exclusions that may affect bene昀椀ts payable. This brochure is for illustrative purposes only. Refer to your certi昀椀cate for complete details, de昀椀nitions, limitations, and exclusions. For more information, ask your insurance agent/producer, call 1.800.433.3036, or visit a昀氀acgroupinsurance.com.

Bene昀椀ts Overview HOSPITAL BENEFITS EMPLOYEE SPOUSE CHILD HOSPITAL ADMISSION We will pay the amount shown, when because of a covered accident, you are injured, require hospital con昀椀nement, and are con昀椀ned to a hospital for at least 24 hours within 6 months after the accident date. We will pay this bene昀椀t once per $1,000 $1,000 $1,000 calendar year. We will not pay this bene昀椀t for con昀椀nement to an observation unit. We will not pay this bene昀椀t for emergency room treatment or outpatient surgery or treatment. HOSPITAL CONFINEMENT (per day) We will pay the amount shown when, because of a covered accident, you are injured and those injuries cause con昀椀nement to a hospital for at least 24 hours within 90 days after the accident date. The maximum period for which you can collect the Hospital Con昀椀nement $200 $200 $200 Bene昀椀t for the same injury is 365 days. This bene昀椀t is payable once per hospital con昀椀nement even if the con昀椀nement is caused by more than one accidental injury. We will not pay this bene昀椀t for con昀椀nement to an observation unit. We will not pay this bene昀椀t for emergency room treatment or outpatient surgery or treatment. HOSPITAL INTENSIVE CARE (per day) We will pay the amount shown when, because of a covered accident, you are injured, and those injuries cause con昀椀nement to a hospital intensive care unit. $400 $400 $400 This bene昀椀t is paid up to 30 days per covered accident. Bene昀椀ts are paid in addition to the Hospital Con昀椀nement Bene昀椀t. MEDICAL FEES (for each accident) We will pay up to the amount shown for X-rays and doctor services when, because of a covered accident, you are injured and those injuries cause you to receive initial treatment from a doctor within 72 hours after the accident. $125 $125 $75 If you do not exhaust the maximum bene昀椀t paid during the initial treatment, we will pay the remainder of this bene昀椀t for treatment received due to injuries from a covered accident and for each covered accident up to one year after the accident date. PARALYSIS (lasting 90 days or more and diagnosed by a physician within 90 days) Quadriplegia $10,000 $10,000 $10,000 Paraplegia $5,000 $5,000 $5,000 Paralysis means the permanent loss of movement of two or more limbs. We will pay the appropriate amount shown if, because of a covered accident, you are injured, the injury causes paralysis which lasts more than 90 days, and the paralysis is diagnosed by a doctor within 90 days after the accident. The amount paid will be based on the number of limbs paralyzed. If this bene昀椀t is paid and you later die as a result of the same covered accident, we will pay the appropriate Death Bene昀椀t, less any amounts paid under the Paralysis Bene昀椀t. The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

ACCIDENTAL-DEATH AND -DISMEMBERMENT (within 90 days) EMPLOYEE SPOUSE CHILD ACCIDENTAL-DEATH $50,000 $25,000 $5,000 ACCIDENTAL COMMON-CARRIER DEATH (plane, train, boat, or ship) $100,000 $50,000 $15,000 SINGLE DISMEMBERMENT $12,500 $5,000 $2,500 DOUBLE DISMEMBERMENT $25,000 $10,000 $5,000 LOSS OF ONE OR MORE FINGERS OR TOES $1,250 $500 $250 PARTIAL AMPUTATION OF FINGERS OR TOES (including at least one joint) $100 $100 $100 If the Accidental Common-Carrier Death Bene昀椀t is paid, we will pay the Accidental-Death Bene昀椀t. Accidental-Death Bene昀椀t We will pay the amount shown if, because of a covered accident, you are injured, and the injury causes you to die within 90 days after the accident. Accidental Common-Carrier Death Bene昀椀t We will pay the amount shown if you are a fare-paying passenger on a common carrier, as de昀椀ned below, are injured in a covered accident, and die within 90 days after the covered accident. We will pay the Accidental-Death Bene昀椀t in addition to the Accidental Common-Carrier Death Bene昀椀t. Dismemberment Bene昀椀t We will pay the appropriate amount shown if, because of a covered accident, you are injured and lose a hand, a foot, or sight within 90 days after the accident as a result of the injury. If you lose one hand, one foot, or the sight of one eye in a covered accident, we will pay the single dismemberment bene昀椀t shown. If you lose both hands, both feet, the sight of both eyes, or a combination of any two, we will pay the double dismemberment bene昀椀t shown. If you lose one or more 昀椀ngers or toes in a covered accident, we will pay the 昀椀nger/toe bene昀椀t shown. If the Dismemberment Bene昀椀t is paid and you later die as a result of the same covered accident, we will pay the appropriate death bene昀椀t, less any amounts paid under this bene昀椀t. MAJOR INJURIES (diagnosis and treatment within 90 days) EMPLOYEE/ SPOUSE/CHILDREN FRACTURES (closed reduction) Fracture* is a break in the bone that Hip/Thigh $4,000 can be seen by X-ray. If a bone is fractured in a covered accident, we Vertebrae (except processes) $3,600 will pay the appropriate bene昀椀t shown. Pelvis $3,200 Multiple fractures* means having Skull (depressed) $3,000 more than one fracture requiring open or closed reduction. If these fractures Leg $2,400 occur in any one covered accident, we will pay the appropriate bene昀椀ts Forearm/Hand/Wrist $2,000 shown for each fracture, but no more Foot/Ankle/Kneecap $2,000 than double the amount for the bone fractured that has the highest bene昀椀t Shoulder Blade/Collar Bone $1,600 amount. Lower Jaw (mandible) $1,600 Chip fracture* means a piece of bone that is completely broken off Skull (simple) $1,400 near a joint. If a doctor diagnoses a chip fracture, we will pay 25% of the Upper Arm/Upper Jaw $1,400 appropriate bene昀椀t shown. Facial Bones (except teeth) $1,200 *If a fracture requires open reduction, Vertebral Processes $800 we will pay double the amount shown. Coccyx/Rib/Finger/Toe $320 The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

Bene昀椀ts Overview MAJOR INJURIES – continued EMPLOYEE/ SPOUSE/CHILDREN DISLOCATIONS (closed reduction) Dislocation* means a completely separated joint. If a doctor diagnoses and Hip $3,000 treats the dislocation within 90 days after the covered accident, we will pay the amount shown. If the dislocation requires Knee (not kneecap) $1,950 open reduction, we will pay 200% of the appropriate amount shown. Shoulder $1,500 Multiple Dislocations* means having more than one dislocation requiring Foot/Ankle $1,200 either open or closed reduction. For each dislocation, we will pay the amounts Hand $1,050 shown. We will not pay more than 200% of the bene昀椀t amount for the dislocated Lower Jaw $900 joint that has the highest bene昀椀t amount. Partial dislocation* means the Wrist $750 joint is not completely separated. If a doctor diagnoses and treats the partial dislocation, we will pay 25% of the Elbow $600 amount shown for the affected joint. Finger/Toe $240 * If a dislocation requires open reduction, we will pay double the amount shown. SPECIFIC INJURIES EMPLOYEE/ SPOUSE/CHILDREN RUPTURED DISC (treatment within 60 days; surgical repair within one year) Injury occurring during 昀椀rst certi昀椀cate year $100 Injury occurring after 昀椀rst certi昀椀cate year $400 TENDONS/LIGAMENTS (treatment within 60 days; surgical repair within 90 days) $600 If you tear, sever, or rupture a tendon or ligament in a covered accident, we will pay one bene昀椀t. We will (Multiple) pay the largest of the scheduled bene昀椀t amounts for tendons and ligaments repaired. $400 (Single) TORN KNEE CARTILAGE (treatment within 60 days; surgical repair within one year) Injury occurring during 昀椀rst certi昀椀cate year $100 Injury occurring after 昀椀rst certi昀椀cate year $400 EYE INJURIES Treatment and surgical repair within 90 days $250 Removal of foreign body nonsurgically, with or without anesthesia $50 The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

SPECIFIC INJURIES EMPLOYEE/ SPOUSE/CHILDREN CONCUSSION A concussion or mild traumatic brain injury (MTBI) is de昀椀ned as a disruption of brain function resulting $200 from a traumatic blow to the head. COMA Coma means a state of profound unconsciousness caused by a covered accident. If you are in a coma $10,000 lasting 30 days or more as the result of a covered accident, we will pay the bene昀椀t shown. EMERGENCY DENTAL WORK (per accident; injury to sound, natural teeth) Repaired with crown $150 Resulting in extraction $50 BURNS (treatment within 72 hours and based on percentage of body surface burned) Second-Degree Burns Less than 10% $100 At least 10%, but less than 25% $200 At least 25%, but less than 35% $500 35% or more $1,000 Third-Degree Burns Less than 10% $1,000 At least 10%, but less than 25% $5,000 At least 25%, but less than 35% $10,000 35% or more $20,000 First-degree burns are not covered. LACERATIONS (treatment and repair within 72 hours) Under 2" long $50 2" to 6" long $200 Over 6" long $400 Lacerations not requiring stitches $25 Multiple Lacerations: We will pay for the largest single laceration requiring stitches. The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

Bene昀椀ts Overview ADDITIONAL BENEFITS EMPLOYEE/ SPOUSE/CHILDREN EMERGENCY ROOM TREATMENT We will pay the amount shown for injuries received in a covered accident if you receive treatment in a hospital emergency room and receive initial treatment within 72 hours after the covered accident. This bene昀椀t is payable only once per 24-hour period and only once per covered accident. $200 We will not pay the Emergency Room Treatment Bene昀椀t and the Medical Fees Bene昀椀t for the same covered accident. We will pay the highest eligible bene昀椀t amount. EMERGENCY ROOM OBSERVATION We will pay the amount shown for injuries received in a covered accident if you receive treatment in a hospital emergency room, are held in a hospital for observation for at least 24 hours, and receive initial treatment within 72 hours after the accident. $100 This bene昀椀t is payable only once per 24-hour period and only once per covered accident. This bene昀椀t is payable in addition to Emergency Room Treatment Bene昀椀t. MAJOR DIAGNOSTIC TESTING We will pay the amount shown if, because of injuries sustained in a covered accident, you require one of the following exams, and a charge is incurred: computerized tomography (CT scan); computerized axial tomography (CAT); magnetic resonance imaging (MRI); electroencephalography (EEG). $200 These exams must be performed in a hospital or a doctor’s of昀椀ce. This bene昀椀t is limited to one payment per covered accident. POST TRAUMATIC STRESS DISORDER DIAGNOSIS Post-traumatic Stress Disorder (PTSD) is a mental health condition triggered by a covered accident. We will pay the amount shown if you are diagnosed with post-traumatic stress disorder. You must meet the $200 diagnostic criteria for PTSD, stipulated in the Diagnostic and Statistical Manual of Mental disorders IV (DSM IV-TR), and be under the active care of either a psychiatrist or Ph.D.-level psychologist. This bene昀椀t is payable only once per covered accident. AMBULANCE/ $200 AIR AMBULANCE ambulance If you require transportation to a hospital by a professional ambulance or air ambulance service within $1,000 90 days after a covered accident, we will pay the amount shown. air ambulance BLOOD/PLASMA $100 If you are injured, and receive blood or plasma within 90 days after the covered accident, we will pay the bene昀椀t shown. APPLIANCES If a doctor advises you to use a medical appliance, we will pay the bene昀椀t shown. $100 Medical appliance means crutches, wheelchairs, leg braces, back braces, and walkers. The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

ADDITIONAL BENEFITS EMPLOYEE/ SPOUSE/CHILDREN INTERNAL INJURIES (resulting in open abdominal or thoracic surgery) We will pay the amount shown if a covered accident causes you internal injuries which require open $1,000 abdominal or thoracic surgery. ACCIDENT FOLLOW-UP TREATMENT We will pay this bene昀椀t for up to six treatments (one per day) per covered accident, per insured for follow- up treatment. You must have received initial treatment within 72 hours of the accident, and the follow-up $30 treatment must begin within 30 days of the covered accident or discharge from the hospital. This bene昀椀t is not payable for the same visit that the Physical Therapy Bene昀椀t is paid. EXPLORATORY SURGERY WITHOUT REPAIR (i.e., arthroscopy) We will pay the amount shown if a covered accident causes you internal injuries which require open $250 abdominal or thoracic surgery. WELLNESS BENEFIT (per 12-month period) After 12 months of paid premium and while coverage is in force, we will pay this bene昀椀t for preventive testing once each 12-month period. Bene昀椀ts include and are payable (for each covered person) for annual physical $50 exams, mammograms, Pap smears, eye examinations, immunizations, 昀氀exible sigmoidoscopies, PSA tests, ultrasounds, and blood screenings. PROSTHESIS We will pay this bene昀椀t if you require the use of a prosthetic device due to injuries received in a covered $500 accident. We will pay this bene昀椀t for each prosthetic device you use. Hearing aids, wigs, dental aids, and false teeth are not covered. PHYSICAL THERAPY We will pay this bene昀椀t for up to six doctor-prescribed physical therapy treatments per covered accident. You must have received initial treatment within 72 hours of the covered accident. The physical therapy treatment $30 must begin within 30 days after the covered accident or discharge from the hospital and must take place within six months of the covered accident. This bene昀椀t is not payable for the same visit that the Accident Follow-Up Treatment Bene昀椀t is paid. TRANSPORTATION $300 We will pay this bene昀椀t if a doctor-recommended hospital treatment or diagnostic study is not available in (train/plane) your resident city. Transportation must begin within 90 days from the date of the covered accident. The $150 distance to the hospital must be greater than 50 miles from your residence. (bus) FAMILY LODGING BENEFIT (per night) We will pay this bene昀椀t for each night’s lodging, up to 30 days, for an adult immediate family member’s lodging if you are required to travel more than 100 miles from your resident home due to con昀椀nement in a $100 hospital for treatment of an injury from a covered accident. This bene昀椀t is only payable while you remain con昀椀ned to the hospital, and treatment must be prescribed by your local doctor. REHABILITATION UNIT BENEFIT (per 12-month period) We will pay the amount shown for injuries received in a covered accident if you are admitted for a hospital con昀椀nement, are transferred to a bed in a rehabilitation unit of a hospital, and incur a charge. $75 This bene昀椀t is limited to 30 days per period of hospital con昀椀nement. This bene昀椀t is also limited to a calendar year maximum of 60 days. We will not pay the Rehabilitation Unit Bene昀椀t for the same days that the Hospital Con昀椀nement Bene昀椀t is paid. We will pay the highest eligible bene昀椀t. The plan has limitations and exclusions that may affect benefits payable. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

ACCIDENT ADVANTAGE PLUS INSURANCE LIMITATIONS AND EXCLUSIONS WHAT IS NOT COVERED, AND TERMS YOU NEED TO KNOW LIMITATIONS AND EXCLUSIONS If the coverage outlined in this summary will replace any existing coverage, intentionally. please be aware that it may be in your best interest to maintain your • Racing – riding in or driving any motor-driven vehicle in a race, stunt individual guaranteed-renewable policy. show, or speed test. WE WILL NOT PAY BENEFITS FOR INJURY, TOTAL DISABILITY, OR DEATH • Intoxication – being legally intoxicated, or being under the in昀氀uence CONTRIBUTED TO, CAUSED BY, OR RESULTING FROM: of any narcotic, unless taken under the direction of a doctor. Legally • War – participating in war or any act of war, declared or not; intoxicated means that condition as de昀椀ned by the law of the participating in the armed forces of, or contracting with, any country jurisdiction in which the accident occurred. or international authority. We will return the prorated premium for any • Illegal Acts – participating or attempting to participate in an illegal period not covered by this certi昀椀cate when you are in such service. activity, or working at an illegal job. • Suicide – committing or attempting to commit suicide, while sane • Sports – participating in any organized sport—professional or semi- or insane. professional. • Sickness – having any disease or bodily/mental illness or degenerative • Cosmetic Surgery – having cosmetic surgery or other elective process. We also will not pay bene昀椀ts for any related medical/surgical procedures that are not medically necessary or having dental treatment treatment or diagnostic procedures for such illness. except as a result of a covered accident. • Self-In昀氀icted Injuries – injuring or attempting to injure yourself TERMS YOU NEED TO KNOW Accidental injury or injuries means bodily injury or injuries resulting from Dependent children are your or your spouse’s natural children, step- an unforeseen and unexpected traumatic event that meets the de昀椀nition of children, legally adopted children, children placed for adoption, or children covered accident. subject to legal guardianship who are younger than age 26. Adopted Children your newly adopted children will be covered upon the However, there is an exception to the age-26 limit listed above. This limit will earlier of the date of placement for the purpose of adoption or the date not apply to any child who is incapable of self-sustaining employment due of the entry of an order granting the adoptive parent custody of the child to mental or physical handicap and is dependent on a parent for support. for purposes of adoption. Coverage continues unless the placement is You or your spouse must furnish proof of this incapacity and dependency to disrupted prior to legal adoption and the child is removed from placement. the company within 120 days following the child’s 26th birthday. Common carrier means an airline carrier that is licensed by the United States Dismemberment means: loss of a hand – The hand is removed at or above Federal Aviation Administration and operated by a licensed pilot on a regular the wrist joint; loss of a foot – The foot is removed at or above the ankle; or schedule between established airports; a railroad train that is licensed and loss of sight – At least 80% of the vision in one eye is lost (such loss of sight operated for passenger service only; or a boat or ship that is licensed for must be permanent and irrecoverable); or loss of a 昀椀nger/toe – The 昀椀nger or passenger service and operated on a regular schedule between established toe is removed at or above the joint where it is attached to the hand or foot. ports. Doctor is de昀椀ned as a person who is a legally quali昀椀ed to practice medicine, Covered accident means an unforeseen and unexpected traumatic event licensed as a physician by the state where treatment is received, and resulting in bodily injury. An event meets the quali昀椀cations of covered licensed to treat the type of condition for which a claim is made. A doctor accident if it occurs on or after the plan’s effective date, occurs while does not include you or your family member. coverage is in force, and is not speci昀椀cally excluded. Employee means a person who is actively at work with the master policyholder, engaged in full-time work, and is included in the class of employees eligible for coverage.

Family member includes your spouse (who is de昀椀ned as your legal wife or you no longer belong to an eligible class. If your coverage terminates, we will husband) as well as the following members of your immediate family: son, provide bene昀椀ts for valid claims that arose while your coverage was in force. daughter, mother, father, sister, or brother. EFFECTIVE DATE This includes step-family members and family-members-in-law. The effective date for you, the employee, is as follows: (1) Your insurance will Hospital refers to a place that is legally licensed and operated as a hospital; be effective on the date shown on the certi昀椀cate schedule, provided you are provides overnight care of injured and sick people; is supervised by a doctor; then actively at work. (2) If you are not actively at work on the date coverage has full-time nurses supervised by a registered nurse; has on-site or pre- would otherwise become effective, the effective date of your coverage will be arranged use of X-ray equipment, laboratory, and surgical facilities; and the date on which you are 昀椀rst thereafter actively at work. maintains permanent medical history records. A hospital is not a nursing home; an extended-care facility; a convalescent Continental American Insurance Company is not aware of whether you home; a rest home or a home for the aged; a place for alcoholics or drug receive bene昀椀ts from Medicare, Medicaid, or a state variation. If you or addicts; or a mental institution. a dependent are subject to Medicare, Medicaid, or a state variation, any Hospital Intensive Care Unit refers to a speci昀椀cally designed hospital facility and all bene昀椀ts under the plan could be assigned. This means that you that provides the highest level of medical care and is restricted to patients may not receive any of the bene昀椀ts outlined in the plan. Please check who are critically ill or injured. Hospital Intensive Care Units must be separate the coverage in all health insurance plans you already have or may and apart from the surgical recovery room; separate and apart from rooms, have before you purchase the insurance outlined in this summary to beds, and wards customarily used for patient con昀椀nement; permanently verify the absence of any assignments or liens. equipped with special life-saving equipment to care for the critically ill or Notice to Consumer: The coverages provided by Continental American injured; and under constant and continuous observation by nursing staffs Insurance Company (CAIC) represent supplemental bene昀椀ts only. They assigned to the Intensive Care Unit on an exclusive, full-time basis. do not constitute comprehensive health insurance coverage and do Rehabilitation Unit is a unit of a hospital providing coordinated not satisfy the requirement of minimum essential coverage under the multidisciplinary physical restorative services. These services must be Affordable Care Act. CAIC coverage is not intended to replace or be provided to inpatients under a doctor’s direction. The doctor must be issued in lieu of major medical coverage. It is designed to supplement a knowledgeable and experienced in rehabilitative medicine. Beds must be set major medical program. up and staffed in a unit speci昀椀cally designated for this service. You and Your refer to an employee as de昀椀ned in the plan. We refers to Continental American Insurance Company. Spouse means your legal wife or husband. Coverage may only be issued to your spouse if your spouse is over 18. YOU MAY CONTINUE YOUR COVERAGE Your coverage may be continued with certain stipulations. See certi昀椀cate for details. TERMINATION Your insurance may terminate when the plan is terminated; the 31st day after the premium due date if the premium has not been paid; or the date

Continental American Insurance Company (CAIC ), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. Continental American Insurance Company • Columbia, South Carolina The certificate to which this sales material pertains is written only in English; the certificate prevails if interpretation of this material varies. This brochure is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions. This brochure is subject to the terms, conditions, and limitations of Policy Series CAI7800.